Ocean Reef Club, Inc. 401(k) Plan: Login, Facts & Contact Information

Ocean Reef Club, Inc. 401(k) Plan Facts

Plan name
OCEAN REEF CLUB EMPLOYEE SAVINGS AND RETIREMENT PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
OCEAN REEF CLUB, INC.
Participants
1,221 (1,033 active employees)
Former employees with a balance
265
Plan assets
$38,363,743 at Dec 31, 2024
Average account balance
$31,575 across 1,215 accounts
Employer contributions
$1,078,088 in plan year 2024 (28% of all contributions)
Recordkeeper
Empower Annuity Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Sep 1, 1995
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 3, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $3.90 million went into the plan in contributions, $1.08 million of it from the employer (28%).
  • $2.82 million was paid out to participants.
  • Investment and other income added $4.89 million.
  • Administrative expenses were $157,390, about $130 per account.

How the Ocean Reef Club, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019940$29.0 million$762,806$2.22 million
2020931$33.4 million$675,040$3.35 million
2021889$36.1 million$976,612$3.78 million
2022834$28.0 million$848,820$2.35 million
2023976$32.6 million$837,825$3.36 million
20241,221$38.4 million$1.08 million$2.82 million

Ocean Reef Club, Inc. 401(k) Contact Information

Phone
305-367-2611
Mailing address
35 OCEAN REEF DRIVE, KEY LARGO FL 33037
Plan sponsor
OCEAN REEF CLUB, INC.
Employer identification number (EIN)
65-0371142
Plan number
001

Questions about the Ocean Reef Club, Inc. 401(k)

Does Ocean Reef Club, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $1.08 million, 28% of all contributions.

Does the Ocean Reef Club, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Ocean Reef Club, Inc 401(k) plan?

1,221 participants at the start of plan year 2024, 1,033 of them active employees, and 265 former employees who still had money in the plan.

What is the average 401(k) balance at Ocean Reef Club, Inc?

About $31,575 per account: $38.4 million in plan assets across 1,215 accounts with a balance at the end of plan year 2024.

Who manages the Ocean Reef Club, Inc 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Ocean Reef Club, Inc. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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